93 Summer StOpelikaAL36801
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 93 Summer St, Opelika, AL, 36801 in Opelika at $324,818 earns $1,980/mo in rent and nets $147/mo after the $1,461/mo payment, a 7.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $89,741 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $2,992/yr in principal paydown, total projected return reaches $131,826.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.8% |
| Monthly Cash Flow | $147 | $420 |
City averages based on Opelika market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,704 |
| DSCR Ratio | 1.16x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2024
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36801, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,929 (100%) |
| Owner Occupied HU | 6,174 (51.8%) |
| Renter Occupied HU | 4,873 (40.9%) |
| Vacant Housing Units | 882 ( 7.4%) |
| Median Home Value | $257,616 |
| Average Home Value | $280,849 |
Housing Distribution
Address Breakdown
Residential
11,424
Single Family
9,714
Multi-Family
1,710
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2024
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 36801, Opelika, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,929 (100%) |
| Owner Occupied HU | 6,174 (51.8%) |
| Renter Occupied HU | 4,873 (40.9%) |
| Vacant Housing Units | 882 ( 7.4%) |
| Median Home Value | $257,616 |
| Average Home Value | $280,849 |
Housing Distribution
Address Breakdown
Residential
11,424
Single Family
9,714
Multi-Family
1,710
Businesses
1,313
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices